Technician Tutorial: Drug Expiration and Beyond-Use Dates

Size: px
Start display at page:

Download "Technician Tutorial: Drug Expiration and Beyond-Use Dates"

Transcription

1 (Page 1 of 7) Technician Tutorial: Drug Expiration and Beyond-Use Dates The dates after which meds should no longer be used can be a confusing subject in the pharmacy. There are a number of reasons for this, including misunderstandings about the differences between expiration dates and beyond-use dates and the wide variations in the rules for different types of drug products. Understanding how to interpret and assign dates after which meds should no longer be used is important for making sure your pharmacy meets legal and regulatory requirements and that patients get safe and effective treatment. In this technician tutorial, we ll help you sort it all out. Barbara Barbie Dawes, a 58-year-old female patient, comes in with the following new Rx. The prescription is for latanoprost eye drops, with one drop to be placed in the right eye every evening. After the prescription is entered into the computer, you retrieve one latanoprost 2.5 ml bottle from the refrigerator. What is the expiration date of a medication? An official definition of the manufacturer s expiration date is the date beyond which ideally stored medications in the unopened manufacturer s storage container or in most circumstances, the opened and intact manufacturer s storage container, should not be used. The United States Pharmacopeia (USP) sets the standards that manufacturers must meet when determining expiration dates. The USP says that the expiration date is the time during which the article may be expected to meet the requirements of the pharmacopeial monograph provided it is kept under the prescribed conditions. This refers to qualities like safety and potency of the drug. The manufacturer s expiration date is printed, usually along with the lot number and manufacturer information, on stock bottles of medication, boxes containing pre-filled syringes, tubes containing topical medications, etc. The manufacturer s expiration date can be expressed as a month and year, or as a day, month, and year. In the U.S. and Canada, if just the month and year are indicated, the med can be used or dispensed until the last day of that month. For example, if the expiration date is written as 05/19, the med doesn t actually expire until May 31, As such, the drug shouldn t be used AFTER May 31, How is the manufacturer s expiration date determined? Most meds get an expiration date of two to three years from the time of manufacture. This doesn t mean that the med goes bad after the expiration date, or even that a med has full potency the day before it expires and has zero potency the day after. The drug company just has to be sure that, until the assigned expiration date, the med still meets requirements for safety and potency.

2 (Page 2 of 7) For example, a med might actually be good for ten years or more after its manufacture. But if the manufacturer gives the med an expiration date of three years, they just have to make sure it s good for the first three years. The med may still be good after that time, but the manufacturer only has to have data to support up to three years in this example. What is a beyond-use date? An official definition for beyond-use date (BUD) is the date beyond which medications that have been manipulated and/or repackaged and stored or dispensed in a container other than the original manufacturer s storage container should not be used. Here are some examples of beyond-use dates: The date that you would indicate on a reconstituted oral antibiotic s labeling, past which the med should not be used. For instance, amoxicillin suspension has a beyond-use date of up to 14 days after it s mixed. The date that s written on the label of an IV piggyback that you prepared, after which the piggyback should be discarded. For instance, doses of IV gentamicin may have a beyond-use date of ten days if they re mixed in 5% dextrose and stored in the refrigerator. The date that s put on the label of a tablet that s been unit-dosed from a bulk bottle. For instance, you will usually give a unit-dosed tablet a beyond-use date of one year after it s packaged, if the manufacturer s expiration date doesn t come before then. Generally, the term beyond-use date is appropriate for a product that has been dispensed. The beyonduse date takes into account things like how long a drug is stable after it has been mixed in a certain way (e.g., compounded, reconstituted) or stored under certain conditions (e.g., room temp, refrigerated, frozen, outside the original packaging, etc), and how long a med can be expected to remain sterile (e.g., IV admixtures, compounded eye drops, etc). Will I ever see meds without expiration dates? You might see meds without expiration dates, especially if you work in a hospital. Investigational drugs are a good example of this. Testing for stability and potency are usually ongoing, so the shelf-life might not be established when meds are in the investigational phase. Typically a pharmacy that stocks investigational drugs will receive a notice to alert the pharmacist that certain lot numbers of an investigational product will need to be pulled from stock and returned at a certain time. That being said, if you dispense a med without an expiration date, you will still need to give it a beyonduse date. The beyond-use date for an investigational drug would be found in the investigational protocol and paperwork. If you re not sure about this, ask your pharmacist to help you find the information. How do I know what beyond-use date to assign to a med? Many meds that you dispense will require a beyond-use date. You ll see that this includes all sorts of different drug products. An easy mental list to keep that will catch most meds that require a beyonduse date is meds stored in the refrigerator or freezer, some inhalers and nebulizer solutions, and meds that are compounded or reconstituted. You ll see these discussed in more detail below, along with a few other examples. Make sure you label meds with beyond-use dates in such a way that the label with the beyond-use date is securely attached to a part of the package that will not be discarded and that the label with the beyond-use date does not cover any other important information.

3 (Page 3 of 7) As mentioned, there are a number of inhalers and nebulizer solutions that have beyond-use dates shorter than the manufacturer s expiration dates. One example is Advair Diskus (salmeterol/fluticasone), which is only good for one month after the foil pouch is removed. We have this information in our chart, Correct Use of Inhalers (U.S. subscribers; Canadian subscribers), and it can also be found in the package inserts, under the How Supplied or Storage and Handling sections. There are also some topicals (e.g., benzoyl peroxide/clindamycin gel [Duac-U.S., Clindoxyl, Clindoxyl ADV-Canada]-60 days, etc) and ophthalmics (e.g., azithromycin [AzaSite-U.S.]-14 days, latanoprost [Xalatan, etc]-six weeks) that require beyond-use dates once they re removed from the fridge and dispensed. These beyond-use dates can be found in the package inserts. The state where you work will usually determine the beyond-use date for most unit doses or prescription bottles of capsules or tablets. The general rule is one year from the date of dispensing or the manufacturer s expiration date, whichever comes first. This may help take into consideration the fact that meds may not be kept at ideal conditions after they are dispensed, such as at controlled room temperature. For example, if you prepare an Rx for furosemide tablets on 12/01/17 and the tabs you are using expire on 10/31/18, you would make the beyond-use date 10/31/18 since it is SOONER than one year from the date of dispensing, which would be 12/01/18. Keep in mind that some oral caps or tabs such as dabigatran (Pradaxa) actually require beyond-use dates once their bottles are opened, as specified by the manufacturer. Dabigatran is good for four months. Use our chart, Oral Meds to Keep in Original Containers, and our technician tutorial, Dispensing Meds in Original Containers, to find out more about storage requirements for these oral meds. Once again, these beyond-use dates can also be found in the package inserts. Reconstituted products, either oral or injectable, will have beyond-use dates specified by the manufacturer. These beyond-use dates can be found in the package inserts. The beyond-use date for reconstituted injectables will also depend on USP Chapter <797>, as described below. Don t forget about injectable solutions and suspensions that don t need to be reconstituted (e.g., insulin, neuromuscular blockers such as rocuronium [Zemuron], etc), but must be given beyond-use dates once they re removed from the fridge. This information can be found in the package inserts. For example, most insulin vials are usually good for 28 days after they re removed from the fridge and stored at room temperature. General guidelines for non-sterile compounded products are provided by what s called USP Chapter <795>. Here are the general rules for maximum recommended beyond-use dates for non-sterile compounded drug products: Nonaqueous (don t contain water) liquid and solid formulations: Six months maximum. If the source of the ingredient(s) is a manufactured drug product, the beyond-use date is not later than 25% of the time remaining until the original product s expiration date, or six months, whichever is earlier. For example, if a compound calls for powder from capsules, and the capsules you use to make the compound have a manufacturer s expiration date of one year from the date the caps are used in the compound, the beyond-use date of the compound will be three months, or 25% of 12 months, instead of the maximum allowed beyond-use date of six months. If the source of the ingredient(s) is a USP or NF substance, the beyond-use date is not later than six months. An example of this would be preparing capsules from a dry bulk powder. Water-containing formulations: When prepared from ingredients in solid form, the beyond-use date should be not later than 14 days when refrigerated. An example of this might be a pediatric

4 (Page 4 of 7) oral suspension reconstituted with water. (Use manufacturer beyond-use date if less than 14 days.) All other formulations: Maximum of 30 days. (The beyond-use date is not later than the intended duration of therapy or 30 days, whichever is earlier.) When you prepare a compound from a recipe, such as Magic Mouthwash, this information will usually be included on the recipe. General guidelines for sterile compounded products are provided in USP Chapter <797>. It s a bit complicated, as the beyond-use dates are based on different factors, including how soon a product will be used, the route of administration (e.g., epidural, intravenous, etc), and the conditions under which it will be stored. Know and follow your pharmacy s policies on beyond-use dating for sterile compounded products. Beyond-use dates must also be assigned to vials of sterile medications, single-dose and multidose, that have been entered. This information also comes from USP Chapter <797>. Know and follow your pharmacy s policies on beyond-use dating for in-use vials. In addition to the for use in the eye sticker, you add an auxiliary label to Barbara s Xalatan bottle, careful not to cover up any of the information on the label. This auxiliary label reminds her not to use the drops after 12/13/17, which is six weeks after the date of dispensing. Are there other considerations for products with short beyond-use dating? Make sure that when you dispense a product, it s good long enough for the patient to complete the full course of therapy. In some cases, you may have to strategize to make this happen. For example, a patient could have a prescription for a reconstituted antibiotic that is good for ten days, while the prescriber has written for the patient to receive the drug for 14 days. The patient might need to come back after the first bottle is finished to get the second bottle. If you re not sure how to handle this, ask your pharmacist. What if patients ask if they can use outdated meds? Again, drugs past their expiration dates don t just go bad and may not even be harmful. In fact, the only documented harm from taking a med past the manufacturer s expiration date is linked to degraded tetracycline. There were rare reports of kidney damage in patients who took outdated tetracycline in the 1960s. Tetracycline products have since been reformulated and the stability of tetracycline appears to have been improved. Current tetracycline products do not seem to cause this problem. However, this might be a different story when it comes to beyond-use dates. Since beyond-use dates are used to help ensure qualities such as stability and sterility of IV meds, using meds past the beyond-use date might be more likely to cause patient harm in some cases. Refer patients who ask if they can use meds past the expiration or beyond-use date to the pharmacist. The answer might depend on a variety of factors, including how the drug was stored, how it was handled, how far past the expiration or beyond-use date it is, and any additional information that s available on the stability of the drug past the expiration or beyond-use date from the manufacturer or other references. When Barbie comes in later in the day to pick up her latanoprost, the pharmacist tells her she will need to throw away whatever is left in this bottle and come back for a new one in six weeks. Barbie pulls the latanoprost box out, and regards both the beyond-use date and the manufacturer s expiration date on the box. Barbie says, I got laid off from my job and I m freelancing now so I lost my insurance and I m paying cash. At 20 bucks a pop, I d hate to

5 (Page 5 of 7) throw any of this stuff out. In fact, it would be fantastic for me if I could just get it every other month. Is there any way I could eke out an extra two weeks? The pharmacist does a quick calculation of how many drops are actually in the 2.5 ml bottle. There are about 80 drops. Then he checks a couple of references that he has handy. There s no information to suggest that the drug should be used after six weeks. The pharmacist tells Barbie, You know, I d love to tell you to use up every last drop. But I can t guarantee that it s safe, so you will need to come back for a new bottle in six weeks. Let s take a look through your other medications and see if we can save you money some other way, a way that we know is safe for you! What are some strategies for avoiding dispensing outdated meds or meds with short expiration or beyond-use dates? Your pharmacy, whether in the community or hospital setting, probably has a policy or practice to rotate stock so that the oldest stock gets used up first. Otherwise, new stock would get used up as it comes in and the old stuff would just sit in the back getting even older and closer to its expiration date. Plus, states and provinces may have regulations on stock rotation as well. The specific policy or practice at your workplace will likely depend to some degree on your wholesaler s policy. Generally, the wholesaler will accept returns of products that are within a certain window, say three months, from expiring. Be sure to quarantine these meds once they are pulled from stock, so they don t get dispensed to a patient by accident. Here are some general strategies that you might be able to incorporate at your workplace if you see that there are currently problems with rotating stock: Use colored stickers to indicate how close a med is to being out-of-date. If a particular product is consistently going out-of-date, try to figure out why. Are you keeping too much of it on-hand? Place newer product on the shelves BEHIND old product, so that product with the shorter expiration or beyond-use date is in the FRONT. Check for short dates as you put inventory on shelves. Assign someone or set up a schedule to check expiration and beyond-use dates. Always check expiration and beyond-use dates as you dispense. Avoid using short-dated meds in situations where the meds might not be used for a long period of time (e.g., crash cart trays, rapid sequence intubation (RSI) kits, stat boxes, etc). Make sure not to stock short-dated meds in low-use automated dispensing cabinets. When and how should I return expired meds? Depending on your practice setting, supplier, and product, the method of return for expired meds may vary. As mentioned, your pharmacy will likely return expired or nearly expired meds to your warehouse or primary vendor. In some cases, a reverse distributor is used to return and destroy expired meds. Sometimes a manufacturer will dictate when and how you return expired meds. If you re unsure about returning expired meds at your pharmacy, check with your pharmacist or with the person who is designated to take care of stock (i.e., inventory specialist). In the hospital setting, you may need to return outdated meds or nearly outdated meds from your pharmacy satellite, patient care areas, or automated dispensing machines to the central or main pharmacy. Then the pharmacy inventory specialist will follow through with returning them as described above. Be

6 (Page 6 of 7) familiar with your pharmacy s policy on this (e.g., which meds should be pulled, where they should be placed in the main pharmacy area or stock room, etc). Or if you have to dispose of an outdated med inhouse, be aware of your options with our technician tutorial, Medication Disposal in the Hospital. In the U.S., special paperwork is required for Schedule II controlled substances that are expired. We have more information about this in our technician tutorial, Dispensing C-II Controlled Substances. If a patient needs to dispose of unneeded or outdated meds, use our chart, Drug Disposal Options, to find more information about drug disposal requirements in the U.S. We also have a U.S. patient education handout, Medication Disposal Guide, you can give to your patients. Project Leader in preparation of this technician tutorial (331180): Stacy A. Hester, R.Ph., BCPS, Associate Editor Cite this document as follows: Technician Tutorial, Drug Expiration and Beyond-Use Dates. Pharmacist s Letter/Pharmacy Technician s Letter. November Please continue to the next page for a Cheat Sheet on drug expiration and beyond-use dates---

7 (Page 7 of 7) Cheat Sheet on Drug Expiration and Beyond-Use Dates Why is it important to only dispense meds that are in-date? Meds are guaranteed to have full potency up to the manufacturer s expiration date. Beyond-use dates help guarantee additional important qualities such as stability and sterility of meds. State or province laws and regulatory agencies expect you to only dispense in-date meds. How do I interpret a drug expiration date that only has the month and year? If a manufacturer s expiration date only has a month and a year, the med is good until the last day of that month. What types of meds commonly require beyond-use dates that are shorter than the manufacturer s expiration date? Non-sterile compounds (e.g., oral suspensions) Sterile compounds (e.g., IV piggybacks) Meds that are reconstituted Meds that are repackaged Opened multidose and single-dose vials Some meds that are removed from their original packaging (e.g., inhalers) Some meds that are removed from the fridge or freezer and stored at room temp (e.g., eye drops, insulin) Where can I find info on a med s beyond-use date? Package insert or med labeling USP Chapter <795> for nonsterile compounds USP Chapter <797> for sterile compounds Pharmacy policies and procedures Are there any meds that don t have expiration dates? Investigational drugs may not have expiration dates. But they ll still require a beyond-use date when they re dispensed. What are some things that can be done to prevent dispensing of outdated meds? Check for short-dated meds when you receive an order in the pharmacy. Rotate old stock to the front of pharmacy shelves and place new stock in the back. Use strategies such as colored stickers so meds that are going out-of-date can be spotted easily. Be aware of meds that require beyond-use dates, and always remember to assign them. Check expiration and beyond-use dates whenever you fill an order or Rx. Pull short-dated meds from low-use areas, so they don t slip through the cracks. Quarantine outdated meds in the pharmacy, so they don t get dispensed by accident. What are some things that can be done to prevent administration of outdated meds? Attach beyond-use dates securely to med packaging, not to an outer cover that could be discarded. Alert your pharmacist if a med you dispense won t be good for long enough for a patient to complete a course of therapy. They can help come up with a good strategy so the patient has an adequate supply of the med that is not outdated. Refer patients who ask if they can use outdated meds to the pharmacist. [November 2017; ]

Good Practice Guidance 4: Expiry Dates for Medication Adapted from previous NHS Berkshire East guidance, Expiry Date Guidelines for Medication (2010).

Good Practice Guidance 4: Expiry Dates for Medication Adapted from previous NHS Berkshire East guidance, Expiry Date Guidelines for Medication (2010). Good Practice Guidance 4: Expiry Dates for Medication Adapted from previous NHS Berkshire East guidance, Expiry Date Guidelines for Medication (2010). This guidance is primarily for care home staff but

More information

Your medicine, your way. Start using home delivery today.

Your medicine, your way. Start using home delivery today. Your medicine, your way. Start using home delivery today. Health benefits and health insurance plans contain exclusions and limitations. Aetna Rx Home Delivery refers to Aetna Rx Home Delivery, LLC, a

More information

Intel Corporation Connected Care Arizona Care Network

Intel Corporation Connected Care Arizona Care Network Intel Corporation Connected Care Arizona Care Network Prescription Benefits Managed by Express Scripts Member Services: 855.315.4523 Member Website: connectedcarehealth.com (follow the links to the prescription

More information

Your Health Insurance: Questions and Answers

Your Health Insurance: Questions and Answers Your Health Insurance: Questions and Answers This simple guide will help you understand how to use and keep your health insurance Meet four people with questions about their health insurance: George is

More information

State of Florida Department of Business and Professional Regulation Division of Drugs, Devices, and Cosmetics

State of Florida Department of Business and Professional Regulation Division of Drugs, Devices, and Cosmetics State of Florida Department of Business and Professional Regulation Division of Drugs, Devices, and Cosmetics Application for a Restricted Prescription Drug Distributor Health Care Entity Form.: DBPR-DDC-207

More information

Moving from Pediatric to Adult Care: Prescription Medicines, Supplies, and Equipment

Moving from Pediatric to Adult Care: Prescription Medicines, Supplies, and Equipment Moving from Pediatric to Adult Care: Prescription Medicines, Supplies, and Equipment To take care of your own health, you need to know how to fill prescriptions. Most prescriptions for medicines can be

More information

FREQUENTLY ASKED QUESTIONS ABOUT THE CVS CAREMARK PRESCRIPTION DRUG PROGRAM

FREQUENTLY ASKED QUESTIONS ABOUT THE CVS CAREMARK PRESCRIPTION DRUG PROGRAM FREQUENTLY ASKED QUESTIONS ABOUT THE CVS CAREMARK PRESCRIPTION DRUG PROGRAM ABBVIE EMPLOYEES WANT TO KNOW 2018 Pharmacy Benefit Changes Q. What is the new prior authorization program? A. Certain brand

More information

Prescription Medication Schedule of Benefits

Prescription Medication Schedule of Benefits Prescription Medication Schedule of Benefits Rx Member Cost-Sharing: $15/$35/$70/$70 When you go to a pharmacy that participates in the UPMC Health Plan pharmacy network, you will be able to receive coverage

More information

Prescription Drug Rider

Prescription Drug Rider Prescription Drug Rider Rx Member Cost-Sharing: $10/$25/$40/$40 According to this prescription drug program, you may receive coverage for prescription drugs in the amounts specified in your rider when

More information

Prescription Drug Schedule of Benefits

Prescription Drug Schedule of Benefits Prescription Drug Schedule of Benefits Rx Member Cost-Sharing: $5/$15/$35/$35 When you go to a pharmacy that participates in the UPMC Health Plan pharmacy network, you will be able to receive coverage

More information

Get the most out of your pharmacy benefit.

Get the most out of your pharmacy benefit. Get the most out of your pharmacy benefit. The ins and outs of managing pharmacy costs (and how the right information can lead to big savings). Learn more about the Artemis Platform at: artemishealth.com

More information

Prescription Medication Rider

Prescription Medication Rider Prescription Medication Rider Rx Member Cost-Sharing: $16/$40/$80/$90 According to this prescription medication program, you may receive coverage for prescription medications in the amounts specified in

More information

4. Answer Key for Sample Questions (p 35)

4. Answer Key for Sample Questions (p 35) Module Four Prescriptions, Insurance, and Inventory Table of Contents 1. Prescriptions A. Pharmacy Prescription Settings (p 3) i. Community Pharmacy (p 3) ii. Institutional Pharmacy (p 3) iii. All Pharmacy

More information

Blue Essentials, Blue Advantage HMO SM and Blue Premier SM Provider Manual - Pharmacy

Blue Essentials, Blue Advantage HMO SM and Blue Premier SM Provider Manual - Pharmacy Blue Essentials, Blue Advantage HMO SM and Blue Premier SM Provider Manual - In this Section there are references unique to Blue Essentials, Blue Advantage HMO and Blue Premier. These network specific

More information

Manage your Prescriptions Online Through the Express Scripts Pharmacy

Manage your Prescriptions Online Through the Express Scripts Pharmacy Manage your Prescriptions Online Through the Express Scripts Pharmacy www.express-scripts.com Customer service specialists are also available 24 hours a day/7 days a week at 1-800-711-0917. Get a 90-day

More information

State of Florida Department of Business and Professional Regulation Division of Drugs, Devices and Cosmetics

State of Florida Department of Business and Professional Regulation Division of Drugs, Devices and Cosmetics State of Florida Department of Business and Professional Regulation Division of Drugs, Devices and Cosmetics Application for Retail Pharmacy Drug Wholesale Distributor Permit Form.: DBPR-DDC-218 APPLICATION

More information

Frequently Asked Questions (FAQs) About the LIPITOR Savings Program*

Frequently Asked Questions (FAQs) About the LIPITOR Savings Program* Frequently Asked Questions (FAQs) About the LIPITOR Savings Program* *Terms and conditions apply. Please see page 9 for details. You may pay less by receiving the generic. Below are some FAQs about the

More information

Prescription Medication Rider

Prescription Medication Rider Prescription Medication Rider Rx Member Cost-Sharing: $16/$40/$80/$90 HealthyU HIA/HRA According to this prescription medication program, you may receive coverage for prescription medications in the amounts

More information

Sharp Health Plan Outpatient Prescription Drug Benefit

Sharp Health Plan Outpatient Prescription Drug Benefit Sharp Health Plan Outpatient Prescription Drug Benefit GENERAL INFORMATION This supplemental Evidence of Coverage and Disclosure Form is provided in addition to your Member Handbook and Health Plan Benefits

More information

HELP DESK TRAINING QUESTIONS IN RESPONSE TO THE LETTERS ****BELOW PLEASE FIND THE HOTTEST TOPICS FOLLOWED BY GENERAL QUESTIONS****

HELP DESK TRAINING QUESTIONS IN RESPONSE TO THE LETTERS ****BELOW PLEASE FIND THE HOTTEST TOPICS FOLLOWED BY GENERAL QUESTIONS**** HELP DESK TRAINING QUESTIONS IN RESPONSE TO THE LETTERS ****BELOW PLEASE FIND THE HOTTEST TOPICS FOLLOWED BY GENERAL QUESTIONS**** HOTTEST TOPICS What letters went out? There are FIVE letters that have

More information

Tech Lectures. For the Pharmacy Technician. P.O. Box Denver, CO Lecture 20 Assisting the Pharmacist

Tech Lectures. For the Pharmacy Technician. P.O. Box Denver, CO Lecture 20 Assisting the Pharmacist 1 Tech Lectures For the Pharmacy Technician P.O. Box 19357 Denver, CO 80219-0357 303-984-9877 Lecture 20 Assisting the Pharmacist It is respectfully requested by the Author that no part of this Tech Lecture

More information

Your. Multi-tiered. Prescription Drug Benefit Program. bcnepa.com

Your. Multi-tiered. Prescription Drug Benefit Program. bcnepa.com Your Multi-tiered Prescription Drug Benefit Program bcnepa.com What you need to know about your multi-tiered prescription drug program A formulary is our list of covered drugs and supplies organized by

More information

Emergency Room Visit Covered Only If It s A True Emergency. Pre-Certify Non-Emergency Hospital. Stays As Well As Emergency Stays

Emergency Room Visit Covered Only If It s A True Emergency. Pre-Certify Non-Emergency Hospital. Stays As Well As Emergency Stays Not every article in this newsletter applies to you. Please check your Plan of Benefits first. For Your Benefit The Warehouse Employees Union Local No. 730 Trust Funds www.associated-admin.com October

More information

Frequently Asked Questions (FAQs) About the LIPITOR Savings Program*

Frequently Asked Questions (FAQs) About the LIPITOR Savings Program* Frequently Asked Questions (FAQs) About the LIPITOR Savings Program* *Terms and Conditions apply. Please see page 10 for details. You may pay less by receiving the generic. Below are some FAQs about the

More information

with the support of Everyday Banking An easy read guide March 2018

with the support of Everyday Banking An easy read guide March 2018 with the support of Everyday Banking An easy read guide March 2018 Who is this guide for? This guide has been designed to help anyone who might need more information about everyday banking. We will cover

More information

ACTIVELY MANAGED DRUG SOLUTIONS SPECIALTY DRUGS. Supporting employees and building sustainable drug plans...together

ACTIVELY MANAGED DRUG SOLUTIONS SPECIALTY DRUGS. Supporting employees and building sustainable drug plans...together ACTIVELY MANAGED DRUG SOLUTIONS SPECIALTY DRUGS Supporting employees and building sustainable drug plans...together Not available in the province of Quebec INTRODUCING THE SPECIALTY DRUG PROGRAM If you

More information

State of Florida Department of Business and Professional Regulation Division of Drugs, Devices, and Cosmetics

State of Florida Department of Business and Professional Regulation Division of Drugs, Devices, and Cosmetics State of Florida Department of Business and Professional Regulation Division of Drugs, Devices, and Cosmetics Application for a Restricted Prescription Drug Distributor Government Programs Form.: DBPR-DDC-211

More information

For Large Groups Lower Premium Health Benefit Plan 03900

For Large Groups Lower Premium Health Benefit Plan 03900 Summary of Benefits for Services In-Network Out-of-Network Financial Features (DED 1 ) (PBP 2 ) $2,000 $4,500 (DED is the amount the member is responsible for before Florida Blue pays) Coinsurance (Coinsurance

More information

Blue Shield of California Life & Health Insurance Company

Blue Shield of California Life & Health Insurance Company Blue Shield of California Life & Health Insurance Company Outpatient Prescription Drug Benefit Rider Insurance Certificate Outpatient Prescription Drug Benefit Summary of Benefits Insured Calendar Year

More information

Your AARP Personal Guide to Buying Health Insurance. What you should know. BA9802 (3/06)

Your AARP Personal Guide to Buying Health Insurance. What you should know. BA9802 (3/06) Your AARP Personal Guide to Buying Health Insurance What you should know. BA9802 (3/06) A word from AARP Health Care Options AARP Health Care Options is happy to offer you this personal guide to buying

More information

YOUR GUIDE TO PRESCRIPTION DRUG BENEFITS

YOUR GUIDE TO PRESCRIPTION DRUG BENEFITS YOUR GUIDE TO PRESCRIPTION DRUG BENEFITS PHARMACY BENEFITS CAN BE CONFUSING, AND YOU PROBABLY HAVE LOTS OF QUESTIONS ABOUT USING YOUR DRUG PLAN. We re here to help. Because taking the right medicines when

More information

RULES OF THE TENNESSEE BOARD OF PHARMACY CHAPTER MANUFACTURERS, OUTSOURCING FACILITIES, OXYGEN SUPPLIERS AND WHOLESALERS/DISTRIBUTORS

RULES OF THE TENNESSEE BOARD OF PHARMACY CHAPTER MANUFACTURERS, OUTSOURCING FACILITIES, OXYGEN SUPPLIERS AND WHOLESALERS/DISTRIBUTORS RULES OF THE TENNESSEE BOARD OF PHARMACY CHAPTER 1140-09 MANUFACTURERS, OUTSOURCING FACILITIES, OXYGEN SUPPLIERS AND TABLE OF CONTENTS 1140-09-.01 Manufacturer, Outsourcing Facility, Oxygen 1140-09-.04

More information

NATIONAL COUNCIL OF INSURANCE LEGISLATORS (NCOIL) Workers Compensation Pharmaceutical Reimbursement Rates Model Act

NATIONAL COUNCIL OF INSURANCE LEGISLATORS (NCOIL) Workers Compensation Pharmaceutical Reimbursement Rates Model Act NATIONAL COUNCIL OF INSURANCE LEGISLATORS (NCOIL) Workers Compensation Pharmaceutical Reimbursement Rates Model Act Drafting Note: This model language is intended for inclusion in state insurance codes

More information

MESSA Saver Rx PRESCRIPTION DRUG RIDER BOOKLET

MESSA Saver Rx PRESCRIPTION DRUG RIDER BOOKLET MESSA Saver Rx PRESCRIPTION DRUG RIDER BOOKLET MESSA Saver Rx Prescription Drug Program The MESSA Saver Rx Prescription Drug Program is made available by a Group Operating Agreement between MESSA and Blue

More information

Contents General Information General Information

Contents General Information General Information Contents General Information... 1 Preferred Drug List... 2 Pharmacies... 3 Prescriptions... 4 Generic and Preferred Drugs... 5 Express Scripts Website and Mobile App... 5 Specialty Medicines... 5 Prior

More information

Outpatient Prescription Drug Benefits

Outpatient Prescription Drug Benefits Outpatient Prescription Drug Benefits Supplement to Your HMO/POS Evidence of Coverage Summary of Benefits Member Calendar Year Brand Drug Deductible Per Member Applicable to all covered Brand Drugs, including

More information

The History of Life Insurance, and Sales Strategies

The History of Life Insurance, and Sales Strategies The History of Life Insurance, and Sales Strategies Product Suitability Term Customers with limited income compared to need (affordability). Customers with a short-term exposure that needs to be covered

More information

2018 FAQs. Prescription drug program. Frequently Asked Questions from employees

2018 FAQs. Prescription drug program. Frequently Asked Questions from employees 2018 FAQs Prescription drug program Frequently Asked Questions from employees September 2017 Prescription drug program Questions we ve heard our employees ask Here are some commonly asked questions about

More information

PIEDMONT ACCESS TO HEALTH SERVICES, INC.

PIEDMONT ACCESS TO HEALTH SERVICES, INC. Policy Number: 01-13-003 SUBJECT: Filling Prescriptions PIEDMONT ACCESS TO HEALTH SERVICES, INC. EFFECTIVE DATE: 07/13/2012 REVIEWED/REVISED: 10/24/2013 POLICY: PATHS Community Pharmacy will comply with

More information

A Quick Start Guide to Your New Health Plan

A Quick Start Guide to Your New Health Plan A Quick Start Guide to Your New Health Plan You Are Here Verification Letter Approval Letter ID Card & Quick Start Guide SCAN Membership Begins Welcome Call/ TeleTalk SCAN Club Newsletter Get your plan

More information

Kroll Ontrack, LLC Prescription Drug Plan. Plan Document and Summary Plan Description

Kroll Ontrack, LLC Prescription Drug Plan. Plan Document and Summary Plan Description Kroll Ontrack, LLC Prescription Drug Plan Plan Document and Summary Plan Description Effective December 9, 2016 Kroll Ontrack, LLC reserves the right to amend the Kroll Ontrack, LLC Health & Welfare Plan

More information

Go through agenda. 2

Go through agenda. 2 1 Go through agenda. 2 Original Medicare is a federal health insurance program for people 65 years of age or older and certain people with disabilities. 3 Part A (Hospital Insurance) helps cover the services

More information

Club Accounts - David Wilson Question 6.

Club Accounts - David Wilson Question 6. Club Accounts - David Wilson. 2011 Question 6. Anyone familiar with Farm Accounts or Service Firms (notes for both topics are back on the webpage you found this on), will have no trouble with Club Accounts.

More information

Unclassified Drugs PAYMENT POLICY ID NUMBER: Original Effective Date: 05/14/2010. Revised: 02/23/2018 DESCRIPTION:

Unclassified Drugs PAYMENT POLICY ID NUMBER: Original Effective Date: 05/14/2010. Revised: 02/23/2018 DESCRIPTION: Private Property of Florida Blue. This payment policy is Copyright 2018, Florida Blue. All Rights Reserved. You may not copy or use this document or disclose its contents without the express written permission

More information

SBCFF Modified Rx 10/30/45 Prescription Drug Benefits

SBCFF Modified Rx 10/30/45 Prescription Drug Benefits Rx Benefits SBCFF Modified Rx 10/30/45 Prescription Drug Benefits This summary of benefits has been updated to comply with federal and state requirements, including applicable provisions of the recently

More information

Questions and Answers. When should I use mail order pharmacy services? What is my co payment for drugs? What is my co payment for preferr

Questions and Answers. When should I use mail order pharmacy services? What is my co payment for drugs? What is my co payment for preferr WPDP/Moda Health Pharmacy Program Welcome to your new pharmacy program, offered through the Washington Prescription Drug Program (WPDP) and administered by Moda Health, formerly ODS Health. At Moda Health,

More information

Summary of Benefits. Albemarle Choice HDHP-HSA. (Plan uses KeyCare PPO. providers)

Summary of Benefits. Albemarle Choice HDHP-HSA. (Plan uses KeyCare PPO. providers) Summary of Benefits Albemarle Choice HDHP-HSA (Plan uses KeyCare PPO providers) Effective October 1, 2018-December 31, 2019 Lumenos HSA-HDHP 478 Albemarle Choice plan 10/1/18-12/31/19 In-Network Services

More information

MEET PRIYAH MEET JOSH MEET VANESSA MEET MARCO

MEET PRIYAH MEET JOSH MEET VANESSA MEET MARCO GETTING READY FOR BIND Meet Priyah, Josh, Vanessa, and Marco. They are Medtronic employees who plan to enroll in a medical plan in November. Get to know their personal situations and what they consider

More information

Chapter 8. Your rights and responsibilities

Chapter 8. Your rights and responsibilities Chapter 8: Your rights and responsibilities 1 Chapter 8. Your rights and responsibilities SECTION 1 Our plan must honor your rights as a member of the plan... 1 Section 1.1 We must provide information

More information

See Medical Benefit Summary See Medical Benefit Summary

See Medical Benefit Summary See Medical Benefit Summary Benefit Summary Outpatient Prescription Drug Products Oregon Plan I1 Standard Drugs: 15/30/50 Your Co-payment and/or Co-insurance is determined by the tier to which the Prescription Drug List (PDL) Management

More information

SPD Prescription Drugs Plan

SPD Prescription Drugs Plan Prescription Drugs Plan 08/01/2017 3-1 Your Prescription Drug Benefits The prescription drug benefit available to you is based on the medical plan in which you are enrolled. Regardless of the benefit design

More information

Deductible Per Calendar Year In-network Out-of-network

Deductible Per Calendar Year In-network Out-of-network PSGBS.ID.SG.MED.HMO.0119 F3927435 Medical Benefit Summary BrightIdea Gold 1000 Provider Network: BrightPath Deductible Per Calendar Year In-network Out-of-network Individual/Family $1,000/$2,000 $10,000/$20,000

More information

Learning about. Checking. Accounts WHAT YOU NEED TO KNOW Deluxe Corp. All Right Reserved.

Learning about. Checking. Accounts WHAT YOU NEED TO KNOW Deluxe Corp. All Right Reserved. Learning about Checking Accounts WHAT YOU NEED TO KNOW 2010 Deluxe Corp. All Right Reserved. Contents Learn About Checking Accounts................................3 Write a Check....................................................4

More information

Technician Tutorial: The ABCs of Medicare

Technician Tutorial: The ABCs of Medicare (Page 1 of 6) Technician Tutorial: The ABCs of Medicare Medicare, managed by the federal government, is the nation s largest health insurance program. Medicare provides coverage for around 40 million Americans.

More information

South Plains Emergency Medical Services, Inc. P.O. Box Lubbock, Texas 79453

South Plains Emergency Medical Services, Inc. P.O. Box Lubbock, Texas 79453 South Plains Emergency Medical Services, Inc. P.O. Box 53597 Lubbock, Texas 79453 June 28, 2017 TO: SPEMS EMS Services SUBJECT: SPEMS PARAMEDIC PROTOCOL VARIANCE With the ongoing medication shortages,

More information

WORKSAFENB DIRECT-PAY PRESCRIPTION DRUG PROGRAM

WORKSAFENB DIRECT-PAY PRESCRIPTION DRUG PROGRAM WORKSAFENB DIRECT-PAY PRESCRIPTION DRUG PROGRAM WHAT IS THE WORKSAFENB DIRECT-PAY PRESCRIPTION DRUG PROGRAM? It is an online prescription drug program available in all pharmacies throughout New Brunswick

More information

Workbook 2. Banking Basics

Workbook 2. Banking Basics Workbook 2 Banking Basics Copyright 2017 ABC Life Literacy Canada First published in 2011 by ABC Life Literacy Canada All rights reserved. ABC Life Literacy Canada gratefully thanks Founding Sponsor TD

More information

FAQs CVS Caremark Pharmacy Transition Effective January 1, 2012

FAQs CVS Caremark Pharmacy Transition Effective January 1, 2012 FAQs Pharmacy Transition PERS Select/ Choice/ Care ID Cards Q. Will I receive a new prescription drug ID card? A. Yes. You should receive the new card from Anthem Blue Cross in mid-december for your prescription

More information

Prescription Drug Coverage

Prescription Drug Coverage The Company s medical plans automatically include coverage for prescription drugs which is administered by Envision Pharmaceutical Services, Inc. (Envision Rx) for prescriptions filled at retail pharmacies

More information

Sharon s Spending Plan Story

Sharon s Spending Plan Story Sharon s Spending Plan Story Food Savings Debt Other Transportation Housing Have you ever planned to put some money into savings only to find that there s nothing left to save at the end of the month?

More information

Managing your WCB claim. The basics of workers compensation

Managing your WCB claim. The basics of workers compensation Managing your WCB claim The basics of workers compensation If you have difficulty reading English and have questions about your WCB claim, we will provide a translator for you. Please contact the WCB staff

More information

Find Private Lenders Now CHAPTER 10. At Last! How To. 114 Copyright 2010 Find Private Lenders Now, LLC All Rights Reserved

Find Private Lenders Now CHAPTER 10. At Last! How To. 114 Copyright 2010 Find Private Lenders Now, LLC All Rights Reserved CHAPTER 10 At Last! How To Structure Your Deal 114 Copyright 2010 Find Private Lenders Now, LLC All Rights Reserved 1. Terms You will need to come up with a loan-to-value that will work for your business

More information

Using Medicare s Website to Choose a Medicare-Approved Drug Plan Prepared by Senior PharmAssist (rev )

Using Medicare s Website to Choose a Medicare-Approved Drug Plan Prepared by Senior PharmAssist (rev ) TIPS AND HINTS: Using Medicare s Website to Choose a Medicare-Approved Drug Plan 2019 Prepared by Senior PharmAssist (rev 10.14.2018) IT PAYS TO COMPARE. The plan that was the cheapest for you in 2018

More information

Using Medicare s Website to Choose a Medicare-Approved Drug Plan Prepared by Senior PharmAssist (rev )

Using Medicare s Website to Choose a Medicare-Approved Drug Plan Prepared by Senior PharmAssist (rev ) TIPS AND HINTS: Using Medicare s Website to Choose a Medicare-Approved Drug Plan 2017 Prepared by Senior PharmAssist (rev 10.11.2016) IT PAYS TO COMPARE. The plan that was the cheapest for you in 2016

More information

Chapter 21. Pharmacy Services

Chapter 21. Pharmacy Services Last Updated: 11/14/2018 1:52:00 PM Chapter 21 Pharmacy Services Definitions Compounded Prescription: A prescription prepared in accordance with Minnesota Rules 6800.3100. Dispensing Date: The actual date

More information

Get the most from your prescription-drug benefit

Get the most from your prescription-drug benefit Get the most from your prescription-drug benefit 2018 Welcome to Express Scripts At Express Scripts, the company chosen by Ohio State Highway Patrol Retirement System to manage your prescription-drug benefit,

More information

Getting the retirement income you need RETIREMENT PLANNING

Getting the retirement income you need RETIREMENT PLANNING Getting the retirement income you need RETIREMENT PLANNING 01 It can be a big decision. But you don t have to make it on your own Whether your retirement is still a little way off or coming up quickly,

More information

TO UNDERSTANDING PACKAGED MEDICAL INSURANCE

TO UNDERSTANDING PACKAGED MEDICAL INSURANCE 3 STEPS TO UNDERSTANDING PACKAGED MEDICAL INSURANCE What s Inside Step 1: What What is packaged medical insurance? 4 Step 2: How How does packaged medical insurance work? STEPS TO UNDERSTANDING PACKAGED

More information

Get the most from your prescription benefit

Get the most from your prescription benefit Get the most from your prescription benefit The Baltimore City Public Schools Introducing Express Scripts What s Inside Your benefit at a glance...2 Generics Preferred program...2 Prior authorization...3

More information

NATIONAL COUNCILCONFERENCE OF INSURANCE LEGISLATORS (NCOIL) Model Act on Workers Compensation Repackaged Pharmaceutical Reimbursement Rates Model Act

NATIONAL COUNCILCONFERENCE OF INSURANCE LEGISLATORS (NCOIL) Model Act on Workers Compensation Repackaged Pharmaceutical Reimbursement Rates Model Act NATIONAL COUNCILCONFERENCE OF INSURANCE LEGISLATORS (NCOIL) Model Act on Workers Compensation Repackaged Pharmaceutical Reimbursement Rates Model Act Model expanded and adopted by the NCOIL Executive Committee

More information

Get the most from your prescription benefit

Get the most from your prescription benefit Get the most from your prescription benefit TE Connectivity HealthFund HRA Plan Welcome to Express Scripts What s Inside Your benefit at a glance...2 Your plan s preferred medicines...2 Prior authorization...2

More information

REQUEST FOR PROPOSALS (RFP) Sterile Compounding Services. for. Department of Health and Community Services. Government of Newfoundland and Labrador

REQUEST FOR PROPOSALS (RFP) Sterile Compounding Services. for. Department of Health and Community Services. Government of Newfoundland and Labrador REQUEST FOR PROPOSALS (RFP) Sterile Compounding Services for Department of Health and Community Services Government of Newfoundland and Labrador June 8, 2015 1.0 Summary of Key Information 1.1 Issue Date:

More information

ALL ABOUT INVESTING. Here is Dave s investing philosophy:

ALL ABOUT INVESTING. Here is Dave s investing philosophy: ALL ABOUT INVESTING Knowing how to deal with debt is easy pay it off! Investing, however, isn t quite so simple. Most people have questions about when and how to invest their money, so here s an inside

More information

Applying a Stability Budget to Cold Chain Biologics. Rebecca E. Gentile Merck & Co. Inc. June 2015

Applying a Stability Budget to Cold Chain Biologics. Rebecca E. Gentile Merck & Co. Inc. June 2015 Applying a Stability Budget to Cold Chain Biologics Rebecca E. Gentile Merck & Co. Inc. June 2015 Overview Define Stability budget PDA Technical Report # 53 What is a stability budget Why set up a stability

More information

Your Medicare Prescription Drug Coverage as a Member of UA Medicare Group Part D EVIDENCE OF COVERAGE (EOC)

Your Medicare Prescription Drug Coverage as a Member of UA Medicare Group Part D EVIDENCE OF COVERAGE (EOC) January 1 December 31 2010 Your Medicare Prescription Drug Coverage as a Member of UA Medicare Group Part D EVIDENCE OF COVERAGE (EOC) This booklet gives you the details about your Medicare prescription

More information

How to Choose Your DME billing Company

How to Choose Your DME billing Company How to Choose Your DME billing Company The DME Specialists 2 With an aging population and three million baby boomers becoming eligible for Medicare coverage over the next ten years, the demand for durable

More information

Medicare consultant Diane

Medicare consultant Diane Page 1 Medicare consultant Diane Omdahl tells the story of a medical consumer who was taking a very complicated regimen of prescription drugs, who came to her with a question about doctors. This person

More information

Want more background and training tips?

Want more background and training tips? Learner Outcomes Outcome #1: Participants will be able to explain what credit is. Outcome #2: Participants will be able to explain why using a credit card is a form of borrowing. Outcome #3: Participants

More information

Picking a Medicare Prescription Drug Plan Basic facts you need to know and questions you should ask

Picking a Medicare Prescription Drug Plan Basic facts you need to know and questions you should ask Picking a Medicare Prescription Drug Plan Basic facts you need to know and questions you should ask This guide has been provided by the editors of Pharmacist s Letter and Prescriber s Letter for your pharmacist

More information

2016 Your. Getting Started Guide. Prepare for Your Medicare Plan Enrollment

2016 Your. Getting Started Guide. Prepare for Your Medicare Plan Enrollment 2016 Your Getting Started Guide Prepare for Your Medicare Plan Enrollment Important! How to Contact Us Contact us by phone 1-844-287-9945 (TTY: 711) Monday through Friday, 8 a.m. until 9 p.m. Eastern Time

More information

This presentation is part of a three part series.

This presentation is part of a three part series. As a club treasurer, you ll have certain tasks you ll be performing each month to keep your clubs financial records. In tonights presentation, we ll cover the basics of how you should perform these. Monthly

More information

Workbook 3. Borrowing Money

Workbook 3. Borrowing Money Workbook 3 Borrowing Money Copyright 2019 ABC Life Literacy Canada First published in 2011 by ABC Life Literacy Canada All rights reserved. ABC Life Literacy Canada gratefully thanks Founding Sponsor TD

More information

Your SNC-Lavalin Employee Benefits Program. May User guide

Your SNC-Lavalin Employee Benefits Program. May User guide Your SNC-Lavalin Employee Benefits Program May 2017 User guide Your employee benefits program with Sun Life Financial is intended to provide you with access to practical tools and information that will

More information

Evidence of Coverage:

Evidence of Coverage: Keystone 65 HMO January 1 December 31, 2018 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Keystone 65 Rx HMO This booklet gives you the

More information

Frequently Asked Questions

Frequently Asked Questions Frequently Asked Questions What is PrimeMail? PrimeMail is a full service home delivery pharmacy. Services include: Filling a new prescription(s) Refilling your existing prescription(s) Transferring your

More information

GROUP INSURANCE. Generic drugs. Their positive effect on your wallet

GROUP INSURANCE. Generic drugs. Their positive effect on your wallet GROUP INSURANCE Generic drugs Their positive effect on your wallet A wise choice Prescription drugs have a couple of things in common: they re designed to heal us or make us feel better, and most of them

More information

Stevens Institute of technology

Stevens Institute of technology Get the most from your prescription benefit Stevens Institute of technology At Express Scripts, the company chosen by Stevens Institute of Technology to manage your prescription benefit, your health is

More information

ACCOUNTS MANAGER MANUAL GENERAL DENTIST. Accounts Manager Manual

ACCOUNTS MANAGER MANUAL GENERAL DENTIST. Accounts Manager Manual GENERAL DENTIST Accounts Manager Manual Note: The following policies and procedures comprise general information and guidelines only. The purpose of these policies is to assist you in performing your job.

More information

Planning for Medicare An Educational Resource from Blue Cross Blue Shield of Massachusetts

Planning for Medicare An Educational Resource from Blue Cross Blue Shield of Massachusetts Planning for Medicare An Educational Resource from Blue Cross Blue Shield of Massachusetts Blue Cross Blue Shield of Massachusetts is an Independent Licensee of the Blue Cross and Blue Shield Association.

More information

Prime Perspective. From the auditor s desk. Quarterly Pharmacy Newsletter from Prime Therapeutics LLC INSIDE. March 2019: Issue 75

Prime Perspective. From the auditor s desk. Quarterly Pharmacy Newsletter from Prime Therapeutics LLC INSIDE. March 2019: Issue 75 Prime Perspective Quarterly Pharmacy Newsletter from Prime Therapeutics LLC March 2019: Issue 75 From the auditor s desk INSIDE From the auditor s desk... 1 2 Medicare news/medicaid news..2 Florida news...3

More information

OVERVIEW PROCESS SERVICES HARVONI. Simply on Your Side. Please see full Prescribing Information, including Patient Information.

OVERVIEW PROCESS SERVICES HARVONI. Simply on Your Side. Please see full Prescribing Information, including Patient Information. HARVONI Simply on Your Side. OVERVIEW PROCESS SERVICES A breakthrough treatment with exceptional support Living with hepatitis C (Hep C) can come with a lot of uncertainty. But getting started with Hep

More information

This presentation is part of a three part series.

This presentation is part of a three part series. As a club treasurer, you ll have certain tasks you ll be performing each month to keep your clubs financial records. In tonight s presentation, we ll cover the basics of how you should perform these. Monthly

More information

TO UNDERSTANDING MEDICAL INSURANCE PACKAGES

TO UNDERSTANDING MEDICAL INSURANCE PACKAGES 3 STEPS TO UNDERSTANDING MEDICAL INSURANCE PACKAGES What s Inside Step 1: What What are medical insurance packages? 4 Step 2: How How do medical insurance packages work? STEPS TO UNDERSTANDING MEDICAL

More information

Warehouse Money Visa Card Terms and Conditions

Warehouse Money Visa Card Terms and Conditions Warehouse Money Visa Card Terms and Conditions 1 01 Contents 1. About these terms 6 2. How to read this document 6 3. Managing your account online 6 4. Managing your account online things you need to

More information

Health Care Reform Provision (effective January 1, 2014) School City of Hobart Medical Plan

Health Care Reform Provision (effective January 1, 2014) School City of Hobart Medical Plan Health Care Reform: We ve Got You Covered The health care reform law officially called the Patient Protection and Affordable Care Act of 2010 (ACA for short) is here to stay. Additional changes resulting

More information

Evidence of Coverage:

Evidence of Coverage: GROUP MEDICARE PLANS January 1 December 31, 2017 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of University of Iowa Health Alliance Medicare

More information

Innovative Prescription Drug Management from Great-West Life

Innovative Prescription Drug Management from Great-West Life Issue 1 June 2011 Innovative Prescription Drug Management from Great-West Life Is your plan keeping pace? Prescription drug benefits play a significant role in the overall health and well-being of your

More information

Pay As You Go Meter Statement

Pay As You Go Meter Statement Pay As You Go Meter Statement A Pay As You Go meter (or Prepayment meter) A meter that lets you pay for your electricity and gas in advance. You can buy credit at hundreds of Post Office branches or PayPoint

More information

Innovative Prescription Drug Management from Great-West Life

Innovative Prescription Drug Management from Great-West Life Issue 1 Innovative Prescription Drug Management from Great-West Life Is your plan keeping pace? Prescription drug benefits play a significant role in the overall health and well-being of your employees,

More information

Deductible Per Calendar Year In-network Out-of-network

Deductible Per Calendar Year In-network Out-of-network Provider Network: SmartChoice Medical Schedule of Benefits SmartChoice Bronze HSA 6650 Deductible Per Calendar Year In-network Out-of-network Individual/Family $6,650/$13,300 $10,000/$20,000 Out-of-Pocket

More information